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Keep up to date on insurance news and tips

New Freight Broker/Forwarder Regulations!

Effective October 1, 2013, domestic freight forwarders will be required to post a BMC-84 bond in the amount of $75,000, plus evidence of public liability (presumably $750,000 CSL) in addition to their cargo requirement.

Flood Insurance

Do you have coverage for flood damage? Nearly all standard property insurance policies do not provide coverage for flood losses.  Despite the fact that flood insurance is available through the National Flood Insurance Program, homeowners rarely purchase the coverage. ...

Commercial and Personal Risk Management Experts

Kirkwood Insurance has provided Commercial and Personal Lines coverage for over 50 years.   We pride ourselves on our reputation of exceptional customer service.  As independent brokers we find you the best coverage at the most affordable price. Our only loyalty...

Cyber Tip

Cyber Tip: Use the same credit card for all of your online purchases. If for some reason your information is stolen or compromised, it makes it easier to follow up on the theft of your information, and you only have to worry about cancelling one card instead of...

Worker’s Comp – Why Loss Control is More Important than Ever

Changes to the Workers Compensation formula effective January 1st, 2013 will now better reward insured's with good claim experience and more severely punish those with poor loss experience.  The changes effect the insured's experience modification, which credits or...

Melting Snow = Flood?

Did you know flood insurance policies do not take effect until 30 days after you buy them? This means that the right time to think about your risk of flooding from melting snow and spring rains is now, before a lake forms by your front door. An inch of water in a...

Protect Your Family and Assets

Why you might be underinsured AND paying too much for it   Chances are that you are currently insured with an Allstate, State Farm or Geico. Captive and direct carriers such as Allstate, State Farm, Geico, are great companies, however they do not offer the...

Save 10% on Car Insurance!

Take our defensive driving course and save 10% on your car insurance! Reduce up to 4 points on your license!  ...

Safety Tips After Hurricane Sandy

Safety Stay away from flood waters. Use battery-powered flashlights or lanterns to examine any premises left vacant during the storm. Do not attempt to turn the lights on until you are sure it is safe to do so. Sniff for gas leaks. If you smell gas or suspect a leak,...

Hurricane Resources!

Hurricane Sandy is approaching the East Coast.  Click "READ MORE" to access resources to make sure you are prepared. There are many steps you can take help prevent damage to your home and better protect your family.  Please check out the resources below for more...

Cyber Criminals Targeting Small Businesses

It's been all over the news recently.  Cyber crime is on the rise in a big way and now small businesses are being attacked.  According to Verizon Communications forensic analysis, 72% of the 855 data breaches analyzed last year were at companies with 100 or fewer...

Incredible Low Rates on Laundromat Insurance!

Starting a laundromat, dry cleaners, or laundry service takes a huge amount of capital.  At Kirkwood Insurance we have been insuring laundromats and dry cleaners located all over the country for decades.  In addition to covering all your expensive equipment, we know...

Importance of Contracts for Contractors

If you are a contractor, obtaining proper insurance coverage is not the only step you need to take to protect your business. There are important steps contractors can take to help ensure their businesses are properly protected.

Logistics Insurance

Find out what you need to know about insurance if you are in the freight handler business. We have all the insight and expertise to handle all your insurance needs. We insure many types of businesses including: 3PL, Freight Brokers, Freight Forwarders, Truckers,...

Consumers Can Minimize Homeowners Insurance

New York, August 15, 2012 — More and more Americans are facing significant increases in their homeowners insurance—and complete coverage loss.  But there are ways to avoid these situations, says Peter Merritt, of Robert T. Kirkwood, Inc., Pleasantville, NY.   “A...

Independent Broker Advantage

Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.   As a Trusted...

Insuring the Theft of Your Business Data

The stories of breached data security have become almost too familiar: An employee takes home a laptop against regulations. A hard drive is sent out for repair, but disappears. A disc with sensitive data is stolen from an office. For business owners and managers, the...